When you take out a loan, you do need to pay it back. This is normally done on the terms you have drawn up with your loan company. If you default in your repayments you may find a debt collector sent by Professional Account Management LLC will come knocking on your door asking for the money. You should know that debt collectors under the federal law Fair Debt Collection Practices Act (FDCPA) cannot come around to your home any time of the day or night or even pester you with constant telephone calls.
If you believe Professional Account Management LLC has gone too far and has violated the FDCPA, you may have the grounds to file a damages claim. The first step is to lodge a complaint.
How to Report a FDCPA Violation by Professional Account Management LLC
There are several methods available for reporting a FDCPA violation against Professional Account Management LLC. The first is to report the violation to the Attorney General in your state and that is if you are permitted to do so. If the Attorney General’s Office thinks that a violation of your rights has taken place, it may decide to take legal action against Professional Account Management LLC.
A second option is reporting the incident to the Consumer Financial Protection Bureau (CFPB) which will investigate your complaint and if it finds it is justified it can place a penalty on the offender, Professional Account Management LLC’s debt collector. The CFPB will likely take it on itself to report the behavior and violation to the Federal Trade Commission (FTC).
How the Better Business Bureau Can Help in Negotiations Over Disputes
The Better Business Bureau (BBB) is available to assist you as well and can provide mediation between you and Professional Account Management if you have a justifiable complaint about the debt collector’s behavior. The BBB cannot pursue legal action in itself like the federal and state regulators can but aside from mediation it can issue a warning to other consumers about the unscrupulous behavior of Professional Account Management’s LLC debt collectors.
Filing a Lawsuit Against Professional Account Management LLC
If you feel you have not been treated fairly by professional Account Management’s debt collector and you cannot see any amicable way out, you may file a lawsuit against the debt collector for up to $1,000 plus lawyer’s fees. In order to win a successful claim you will need all the relevant evidence at your fingertips. This should be done within 12 months of the violation of the FDCPA law. What you must remember you aren’t being let off paying your debt and you should get on top of it as soon as possible.
How a Lawyer Can Help With a Claim for a FDCPA Violation
If you think legal action against Professional Account Management LLC is the only solution for you because you believe s/he has violated your rights under the FDCPA you should seek help from a lawyer before pursuing your claim.
*Disclaimer: The content of this article serves only to provide information and should not be constructed as legal advice. If you file a claim against Professional Account Management LLC, or any other third-party collection agency, you may not be entitled to any compensation.